Notes: Desert Fusion Checking -- ATM affiliates: Shared Branching, CO-OP Network. Two free non-Desert Schools ATM transactions per month, monthly service fee waived with two of the following: e-statements, direct deposit, three or more non-PIN transactions per month. All U.S. ATM fees refunded when the following is met: 30 non-PIN based transactions per month, direct deposit and e-statements.

Bankrate conducted a survey of the 50 largest U.S. credit unions based on total deposits, surveying one checking account at each, along with the accompanying debit card and ATM transaction fees. The survey was conducted Jan. 6-16, 2014. For N/A yield: The account is not an interest-yielding checking account, or the yield is zero percent.

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